Advanced Financial Concepts

Anthony L. Howard, CLU, ChFC, Darren R. Telford, J.D., CFP, Kevin P. Schwarz, Anthony P. Hernandez, Brittney Wilson, and Miriam Mitchell

 

Financial Professionals Serving You

 

WELCOME!

ADVANCED FINANCIAL CONCEPTS is a team of experienced financial professionals and staff WORKING TOGETHER FOR YOU. Combining a variety of backgrounds and experience, we serve financially your individual, family and business needs.

Our financial professionals are dedicated to helping individuals and businesses build their financial futures. To stay on top of our field and develop our professional skills we regularly attend industry training and certification programs.

Rather than just recommending a hodgepodge of unrelated products, we will consider your specific financial goals and investment objectives. Working together, we'll formulate a strategy to help you address your goals. Then, if it is suitable, as registered representatives of AXA Advisors, LLC, and insurance agents of AXA Network, LLC, we will recommend the appropriate products and services to help you execute your strategy. Learn more by accessing our links above, below and to the side.

Get to know each of our associates by clicking on their names below.


Darren R. Telford, J.D., CFP®

Anthony L. Howard, CLU, ChFC

Anthony P. Hernandez

Kevin P. Schwarz


CFP® and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.

 

 
Calculators

Estate Taxes

Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

Car Affordability

How much can you afford to pay for a car?

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

More Calculators →

Newsletters

When Tea Leaves Won't Do

Economic indicators can be a good source of clues about trends, but it takes experience and skill to interpret their meaning.

Beware the Better-Than-Average Effect

Economists have found that, on average, people tend to believe that their own lives are improving at a faster rate than most everyone else's.

The Measure of a Life

One way to help mitigate the financial blow of the loss of a head of household is through life insurance.

Retirement Countdown in a Down Market

The process leading up to retirement should begin years beforehand to help protect portfolio assets in the event that the markets are affected by unfavorable economic conditions.

More Newsletters →